If you are going to do it and you can afford it (while keeping money in the bank too!) - do it when you can.

Otherwise if you are putting it off 'cause you haven't decided what or how to do it, or you will wipe out your savings - wait! It still can be a lot of fun and depending upon what you want to do with your truck - you may be good with it the way it sits! You can get to a lot of places in a stock truck than you can in a stock Civic!